关于农业保险影响农业经济的理论分析与实证研究

发布时间：2018-03-14 12:49

本文选题：农业保险　切入点：农业经济增长　出处：《山东大学》2016年硕士论文　论文类型：学位论文

【摘要】：农业是我国的传统产业,也是国民经济的基础,农业发展水平与一个国家的整体经济息息相关。我国的农业面临着自然灾害带来的威胁和市场需求、价格变动等多方面的不确定性。因此,农业既是基础产业又是高风险性产业,亟需某种风险分散机制分散农业生产的高风险。农业保险是指专门为农业生产者从事农林畜牧等产业的过程当中,遭受的来源于自然灾害、疾病以及意外等事故的经济损失提供一定保障的保险。我国的农业保险自1982年恢复开办以来,一直在曲折中发展。直到2007年,国家逐步在各省份开展中央财政补贴的政策性农业保险试点,农业保险才开始稳步发展起来。农业保险具备多项功能,如分散风险、稳定收入、社会管理等,其中一个重要的职能就是稳定农民的收入水平,促进农业经济的发展。我国农业保险的发展已有多年,有必要系统分析和检验农业保险的功能效果,因此本文分别从理论和实证上对其进行了考察。首先,分别从经济增长和经济结构两方面阐述了农业保险对农业经济的作用机制；其次,将农业保险与政府的灾后救济这一支农方式进行了对比,考察农业保险的经济补偿功能对农民收入的影响；最后,分别用2001-2014年我国的省级面板数据及2000-2014年山东省临沂市的时间序列数据对农业保险对农业经济增长的影响、农业保险对农业经济结构的影响进行了实证检验。农业保险会通过多种途径作用于农业经济。一方面,农业保险通过以下渠道促进了农业经济增长：农业保险提高技术水平、扩大生产规模、增加了信贷供给。另一方面,农业保险对农业经济结构有一定的影响。首先,农业保险的“歧视性”参保政策对农业经济结构产生引导效应;其次,农业保险的风险分散功能鼓励了农户主动调整农业经济结构；最后,在城镇化促进农业经济结构调整的过程中,农业保险也起到了一定的作用。实证检验的结果表明了农业保险确实影响了农业经济,一方面表现在促进了经济增长,而且农业保险发展处于中等水平的地区作用效果最明显；另一方面表现在农业保险影响了农业经济结构,减少了参保农作物的种植比例。政府应大力发展农业保险以促进农业经济发展,主要措施包括：完善农业保险相关法律和制度体系,每个地区根据本地区实际情况开展适合本地区的农业保险模式；要加快对农业保险发展较弱地区的扶持,使农业保险对农业经济增长产生更大的促进作用；在保障灾后的赔付水平的前提下,应该着力推进农业保险的普及推广,加大保险密度；各地区应根据当地情况来调整当前的农业保险险种,使农业保险更适应农业生产要求,使农业保险在农业经济结构调整中发挥更大的作用。
[Abstract]:Agriculture is not only the traditional industry of our country, but also the foundation of the national economy. The level of agricultural development is closely related to the whole economy of a country. The agriculture of our country is facing the threat of natural disasters and the market demand. Therefore, agriculture is both a basic industry and a high-risk industry. There is an urgent need for some kind of risk dispersal mechanism to disperse agricultural production. Agricultural insurance refers to the process of dealing with agriculture, forestry, livestock and other industries for agricultural producers, which is caused by natural disasters. China's agricultural insurance has been developing in a tortuous way since it resumed operation in 1982. Until 2007, The state has gradually launched a pilot project of policy-oriented agricultural insurance subsidized by the central government in various provinces, and agricultural insurance has only begun to develop steadily. Agricultural insurance has a number of functions, such as dispersing risks, stabilizing income, and social management, etc. One of the important functions is to stabilize the income level of farmers and promote the development of agricultural economy. Since the development of agricultural insurance in China has been going on for many years, it is necessary to systematically analyze and test the functional effects of agricultural insurance. Therefore, this paper investigates it theoretically and empirically. Firstly, it expounds the mechanism of agricultural insurance on agricultural economy from the two aspects of economic growth and economic structure. This paper compares the agricultural insurance with the post-disaster relief of the government in order to investigate the impact of the economic compensation function of agricultural insurance on farmers' income. Using provincial panel data from 2001-2014 and time series data of Linyi City, Shandong Province from 2000 to 2014, respectively, the impact of agricultural insurance on agricultural economic growth is analyzed. The impact of agricultural insurance on agricultural economic structure is tested empirically. Agricultural insurance acts on agricultural economy through a variety of ways. On the one hand, agricultural insurance promotes agricultural economic growth through the following channels: agricultural insurance improves the technical level, On the other hand, agricultural insurance has a certain impact on the agricultural economic structure. First, the policy of "discriminatory" participation in agricultural insurance has a guiding effect on the agricultural economic structure. The risk dispersion function of agricultural insurance encourages farmers to adjust the agricultural economic structure actively. Finally, in the process of urbanization to promote the adjustment of agricultural economic structure, Agricultural insurance also played a certain role. The results of empirical test show that agricultural insurance does affect the agricultural economy, on the one hand, it promotes the economic growth, and the development of agricultural insurance is in the middle level of the effect of the most obvious effect in the region; On the other hand, agricultural insurance affects the structure of agricultural economy and reduces the proportion of crops planted. The government should vigorously develop agricultural insurance to promote the development of agricultural economy. The main measures include: perfecting the relevant laws and systems of agricultural insurance, carrying out agricultural insurance models suitable for the region according to the actual conditions in each region, and speeding up the support for areas with relatively weak agricultural insurance development. Under the premise of ensuring the level of compensation after the disaster, we should push forward the popularization of agricultural insurance and increase the density of insurance. All regions should adjust the current agricultural insurance types according to the local conditions, make agricultural insurance more suitable for agricultural production requirements, and make agricultural insurance play a greater role in the adjustment of agricultural economic structure.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.66

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